Toyota Venza Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Toyota Venza costs less than most other SUVs to insure.

• Full coverage auto insurance for a Venza tends to be about $137 a month, on average, while liability only insurance normally comes in at around $78 monthly.

• Sun Coast offers the most affordable average rates for a Venza with liability only coverage offered for as cheap as $45 a month.

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Venza Overview

The Toyota Venza is a great SUV for all budgets, with a base price of just $32,470 for new 2021 models. The Venza is not just on the affordable end of the spectrum when it comes to overall price point, it's also a smart choice for your budget when thinking about your car insurance rates.

We crunched the numbers on thousands of insurance quotes on Compare.com, and we've found that Toyota Venza auto insurance premiums average out to about $140 monthly. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Toyota Venza?

In the table above, you'll see that Toyota Venza insurance prices are below average compared to other vehicles. On average, Venza drivers can expect to pay around $78 per month for liability insurance, and about $137 a month for full coverage, which has comprehensive and collision coverages in addition to liability (find out more about the difference with our guide "State Minimum vs. Full Coverage").

Comparing it to other Toyota models, the Venza is less expensive, with rates more than 10% lower than the rest of the automaker's vehicle offerings. Similarly, coverage for the Venza is cheaper than average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive prices than other SUVs.

They're also more affordable to insure than the average vehicle overall, no matter what make, body style, or model they are.

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Who has the Cheapest Car Insurance for a Toyota Venza?

If you're browsing for an auto insurance policy for a Toyota Venza, you might be most interested in which company offers the most affordable premiums. Although there will never be one carrier that offers the cheapest premiums for everyone, Workmens has the lowest average rates for liability only coverage, with rates as little as $31 monthly. The runner up for cheapest rates is Hugo, with insurance policies starting sometimes as low as $34 per month.

Sun Coast, Amica, and AnchorGeneral round out the rest of the top 5 list. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Auto insurance carriers take a bunch of things into consideration when calculating monthly premiums. By getting quotes from a wide array of car insurance companies at once, you can be sure you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Toyota Venza?

As we mentioned above, there are a multitude of factors that auto insurance carriers examine to calculate how much they charge you for a policy -- and each company weighs certain pieces more than others, so there's not one single carrier that's the most affordable for every Venza driver.

Below are just a few of the variables insurance companies look at and how each one affects your final rate:

Vehicle Age

Toyota has been making the Venza for quite some time, so the car's age may make a big difference in how much you'll pay for car insurance. Normally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Venzas begin to depreciate, insurance costs will gradually get lower.

According to the table above, the Toyota Venza bucks the trend, as the most expensive models to insure are those that are 8 to 10 years old, while on average, the cheapest Venzas are 1 year old or less.

Your Age

Age plays a role in how much you pay for insurance. Based on the information in the table above, young Venza drivers pay more compared to drivers with more experience. In this case, drivers aged between 18 and 24 pay $48 more than those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group being 65 years and older for Venza drivers.

Your Gender

You may not know, but car insurance is usually more expensive for men than for women. This is because men are more likely to get speeding tickets and get into collisions, which raises the chances of an insurance claim. The Toyota Venza follows this convention, and men pay around 14% more than women monthly for auto insurance.

Where You Live

It may seem like common sense that things such as how old you are and what vehicle you drive play a role in your car insurance rates, but did you know that where you live can matter just as much? Car insurance is regulated on the state level rather than nationally, so prices fluctuate quite a bit depending on what state you live in.

For example, the average Toyota Venza owner in New York pays about $197 per month for liability coverage. Meanwhile, on average, the same driver from California will pay less than half of that price. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change across states.

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Toyota Venza Car Insurance Discounts

Whatever your car, your age, or your home state, using as many discounts as possible when it comes to your auto insurance is always a good idea when shopping around for a new policy.

While no two insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-vehicle discounts for adding more than one car to your auto policy
• Pay-in-full discounts for drivers who agree to pay their entire policy price up front, rather than by monthly payments
• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)

While these are just a few of the discounts auto insurance companies offer, there are countless other ways to save money on you monthly insurance bill. And often, the best way to save isn't through a "discount" at all, but rather by maintaining a clean driving record or not having recent insurance claims.

Even though you can't control every factor insurance carriers consider to calculate premiums (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the ones you can use to your advantage when it comes to saving some cash:

Your Driving Record

You've almost certainly observed ads from car insurance companies promoting large savings for safe drivers. It should be no surprise that your auto insurance rates will go higher if you get a ticket for speeding or get into an accident. But you still might be left wondering exactly how much these infractions will cost you.

As you can see from the table above, accidents will usually cost Venza drivers less than tickets, but both will result in above average rates. Toyota Venza drivers with a single ticket will pay an average of $99 a month, while drivers with one accident on their record pay about $93 each month (up $15 from the $78/mo. overall average). Drivers who have multiple violations of either kind will end up paying even more.

How Much You Drive

Another variable you have control over is the total amount of miles you drive annually. Those who are on the roads less have fewer opportunities to get into an accident, so they'll generally end up spending less on insurance. Based on the table above, you can see that Toyota Venza owners who drive between 7,500 and 10,000 miles pay $83 for car insurance, while those who drive between 2,500 and 5,000 miles every year pay about $59 monthly.

If you drive less often than the average driver or work from home, it may be worth learning about usage-based or pay-per-mile insurance. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Toyota Venzas Compare to Other Vehicles?

If you're thinking about making a Toyota Venza your next vehicle, you might be wondering how it compares to other vehicles. Insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth taking into consideration.

Check out the table below to see how the Toyota Venza compares:

Overall, the Toyota Venza is a fantastic value when it comes to price, with an MSRP that's a quarter less than the going rate for a new vehicle. While the national average vehicle MSRP is $46,179, the Venza has a base price of just $32,470.

In the same fashion, car insurance premiums are slightly lower when compared to other vehicles on the market. Liability insurance for a Toyota Venza is around $12 per month less than average, while full coverage is $8 less a month.

When it comes to usage, Toyota Venza owners drive more miles annually than the national average, with 12,928 miles per year compared to 11,660 for all vehicles.

Toyota Venza Car Insurance Costs by Model Year

We've gone over many of the variables that can have an impact on how much the average driver pays to insure a Toyota Venza. If you're in the market for a new car, truck, or SUV and the Venza is on your wishlist, having a good idea of how much you'll likely pay can be helpful as you consider your choices.

So we've crunched the numbers and broken down Toyota Venza auto insurance rates by model year. Choose a model year from the dropdown below to see average rates for both liability only and full coverage options, as well as some other helpful info, like cheapest insurance company, base price, and even available trims for each Venza model year.

Choose Your Model

2021 Toyota Venza Car Insurance 2016 Toyota Venza Car Insurance 2015 Toyota Venza Car Insurance 2014 Toyota Venza Car Insurance 2013 Toyota Venza Car Insurance 2012 Toyota Venza Car Insurance 2011 Toyota Venza Car Insurance 2010 Toyota Venza Car Insurance 2009 Toyota Venza Car Insurance

2021 Toyota Venza Car Insurance

As we saw above, if you're considering a brand new 2021 SUV, the latest Toyota Venza is a fantastic option for your budget.

When it comes to insuring a Venza, the average 2021 Toyota Venza typically costs about $69 per month to insure for liability only and $161 monthly for full coverage. And if you want the lowest insurance possible, Hugo offers liability only policies for as low as just $22 per month.

While this gave you a good idea of what the average 2021 Venza will cost to insure, you'll never know exactly how much you'll pay without getting a personalized quote. Luckily, with Compare.com you can get quotes from a variety of carriers at once, all for free. Simply enter your ZIP code below to get started.

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2016 Toyota Venza Car Insurance

2016 Toyota Venza drivers can expect to pay an average of $56 a month for liability or $179 for full coverage.

With prices as cheap as just $31 monthly, Workmens offered the most affordable policy we found.

While these are good estimates of what the average driver might pay to insure a 2016 Toyota Venza, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2015 Toyota Venza Car Insurance

The average cost to insure a 2015 Venza with liability only coverage is $115 a month, while full coverage runs around $153 per month.

With prices sometimes as cheap as $29 monthly, Clearcover offered the cheapest policy we found for the 2015 Toyota Venza.

Want to know exactly how much you'll pay? Just enter your ZIP code below to get several free personalized quotes.

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2014 Toyota Venza Car Insurance

It costs about $57 a month for liability or $137 for a full coverage policy for the 2014 Toyota Venza.

We found Liberty Mutual offered the lowest policy, with rates as low as $20 per month.

If you're looking for a more exact figure on what you should pay for insurance for a 2014 Toyota Venza, you can get free quotes in minutes by just entering your ZIP code below.

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2013 Toyota Venza Car Insurance

You can expect full coverage for a 2013 Venza to run around $123 a month, while liability only coverage will average about $76 per month.

StateAuto has premiums sometimes as little as $17 monthly for the 2013 Toyota Venza.

If you want to know exactly how much you can expect to pay for your Venza, just enter your ZIP code below and get several free quotes in minutes.

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2012 Toyota Venza Car Insurance

On average, drivers who own a 2012 Toyota Venza can expect to pay $104 to $146 a month for liability only and full coverage auto insurance, respectively.

Looking for the most affordable policy? Aspire offered liability only coverage for as little as just $19 monthly.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2011 Toyota Venza Car Insurance

The average cost to insure a 2011 Venza with liability only coverage is $81 per month, while full coverage runs around $148 a month.

AnswerFinancial offered the cheapest policy we found, with rates as cheap as $30 monthly.

Want something more accurate than nationwide averages? Get multiple personalized quotes for free by just entering your ZIP code below.

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2010 Toyota Venza Car Insurance

You can expect full coverage for a 2010 Toyota Venza to run about $129 per month, while liability only coverage will average around $79 monthly.

If you're looking for the most affordable 2010 Toyota Venza insurance policy, StateAuto offered the most affordable policy we found, with rates sometimes as low as $21 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2009 Toyota Venza Car Insurance

On average, drivers who own a 2009 Venza can expect to pay $70 to $119 a month for liability only and full coverage car insurance, respectively.

Elephant offered the cheapest policy we found, with rates sometimes as little as $22 per month.

If you want to know exactly how much you can expect to pay for your Venza, get free quotes in minutes by just entering your ZIP code below.

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Toyota Venza Insurance FAQs

Is a Toyota Venza expensive to insure?

It costs less to insure a Toyota Venza when compared to the average vehicle. Liability insurance runs an average of $78 a month, while full coverage will cost you around $137.

How can I get the best price on car insurance for my Toyota Venza?

The only way to be sure you're getting the lowest price on insurance is to check prices regularly and compare quotes from multiple companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from several carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Toyota Venza affect my insurance prices?

You may have heard the old adage that it costs more to insure a red car, but that's actually not the case. There are lots of factors car insurance companies think about when they calculate how much your policy will be, but the color of your Venza isn't one of them.

Do I need to have insurance before I buy a Toyota Venza?

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) Toyota Venza off the dealership lot. Some dealerships will offer you one during the purchase process, but it's best to let your insurance carrier know before you buy.

What car insurance discounts can I get for my Toyota Venza?

There are all sorts of discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your Venza has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to know for sure is to talk with your insurance agent and ask about their discounts, since they differ quite a bit from company to company.